The Long-Term Disability Insurance: Group vs. Individual Plans
Long-term disability (LTD) insurance provides financial protection for extended periods of disability. There are two main types: group LTD insurance, which is employer-sponsored, cost-effective, but less flexible, and individual LTD insurance, which is customizable, portable, and offers tax-free benefits. Choosing between them depends on personal needs, flexibility, and budget. Understanding these differences is key to selecting the right coverage.
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